Individuals and families often choose to shop for their own health insurance when they are not covered through an employer or government program. This self-billing approach offers flexibility, control, and tailored options that may not be available through group plans.
Many people—such as part-time workers, freelancers, gig workers, entrepreneurs, early retirees, and college students—do not have access to employer-sponsored health plans or qualify for government programs like Medicaid or Medicare.
Individual and family plans allow you to choose coverage levels, deductibles, and benefits that match your health needs and budget. You can select plans with preventive care, telemedicine, or specific provider networks, avoiding unnecessary costs.
